ZIP 65638 Insurance Data

Data Snapshot: ZIP 65638 (Drury, MO)

ZIP 65638 (Drury, MO) shows an average homeowners insurance premium of $1,938 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 3 reported policies. That is 9% above the national average of $1,776 per year, placing this ZIP in the 73th percentile nationally. Compared to the Missouri state average of $2,056, this ZIP runs 6% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 65638 is 48.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 8.20%, and the average claim severity (amount paid per claim) is $11,553.

Across 5 years (2018–2022), premiums in ZIP 65638 have risen by 17.4%, ranging from $1,651 to $1,938 with a five-year average of $1,834 — an annualized rate of +4.1% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.